Introduction
SBI Personal Loan 2025 offers salaried, self-employed, and NRI customers instant approval, low interest rates starting from 10.05% p.a., and flexible EMI options. Whether you need funds for travel, home renovation, medical emergencies, or education, SBI ensures a seamless online loan application process through YONO or net banking.
Key Features of SBI Personal Loan 2025
- ✅ Loan amount: ₹25,000 to ₹20 Lakh
- ✅ Interest rates starting at 10.05% per annum
- ✅ Tenure: 12 to 72 months
- ✅ Instant approval and disbursal online
- ✅ Minimal documentation and no collateral required
- ✅ Pre-approved offers for existing SBI customers
Eligibility Criteria
- Age: 21 to 58 years
- Minimum monthly income: ₹15,000
- Employed with a reputable organization or self-employed
- Good credit history with CIBIL score 750+
- NRIs must provide valid passport, visa, and overseas employment proof
Required Documents
- Identity proof: Aadhaar, PAN, Passport
- Address proof: Utility bill, rental agreement
- Income proof: Salary slips, Form 16, Bank statements
- Passport-sized photograph
How to Apply Online
- Download the YONO SBI app or visit the SBI net banking portal.
- Login/Register and navigate to 'Personal Loan'.
- Fill in required details and upload documents.
- Submit application for instant approval.
- Loan amount is credited to your account after approval.
Top 10 Personal Loan Apps & Banks (Colorful Cards)
1. SBI YONO Personal Loan
Description: SBI's official app for seamless online personal loans with instant approval.
Benefits: Quick disbursal, flexible EMI, minimal documentation.
Eligibility: Salaried/self-employed/NRI aged 21–58 years.
2. HDFC Bank Personal Loan
Description: Fast online loans with competitive rates and flexible tenure options.
Benefits: Easy application, instant approval, pre-approved offers.
Eligibility: Salaried individuals with ₹15,000+ income.
3. ICICI Bank Personal Loan
Description: Quick personal loans with minimal documentation and flexible repayment.
Benefits: Attractive interest rates, online application, EMI calculator.
Eligibility: Salaried/self-employed 23–58 years.
4. Axis Bank Personal Loan
Description: Fast processing loans with competitive rates and instant approval.
Benefits: Flexible EMIs, digital application, pre-approved offers.
Eligibility: Salaried 21–60 years, minimum income ₹15,000.
5. Bajaj Finserv Personal Loan
Description: Quick loan approval with easy digital processing.
Benefits: Flexible tenure, instant disbursal, minimal documentation.
Eligibility: Salaried/self-employed 21–60 years.
6. Kotak Mahindra Bank Personal Loan
Description: Personal loans with attractive interest rates and online approval.
Benefits: Fast disbursal, flexible EMIs, easy application.
Eligibility: Salaried/self-employed 21–58 years.
7. IDFC First Bank Personal Loan
Description: Quick online loans with minimal documentation and instant approval.
Benefits: Flexible repayment, low EMI, pre-approved offers.
Eligibility: Salaried 21–60 years, income ₹20,000+.
8. Yes Bank Personal Loan
Description: Fast digital personal loans with competitive rates.
Benefits: Instant approval, flexible EMIs, easy online application.
Eligibility: Salaried/self-employed 21–60 years.
9. Tata Capital Personal Loan
Description: Personal loans with instant disbursal and minimal documentation.
Benefits: Flexible EMI, competitive rates, quick processing.
Eligibility: Salaried/self-employed 21–60 years.
10. IndusInd Bank Personal Loan
Description: Online personal loans with low interest rates and fast approval.
Benefits: Quick disbursal, flexible repayment, easy online application.
Eligibility: Salaried/self-employed 21–58 years.